First Mainstreet Insurance LC Dba Lillis Insurance Agency
203 W Welsh St, Williamsburg, IA 52361
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203 W Welsh St, Williamsburg, IA 52361
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Williamsburg residents.
Complete guide to home insurance in Williamsburg, Virginia. Learn about hurricane risks, flood coverage, historic home policies, and rates for 2025-2026.
As of January 1, 2025, Virginia requires 50/100/25 coverage: $50,000 for bodily injury per person, $100,000 per accident, and $25,000 for property damage. You also need uninsured/underinsured motorist coverage in the same amounts. Car insurance became mandatory statewide in July 2024, eliminating the previous uninsured motorist fee option.
While not legally required, flood insurance is highly recommended for Williamsburg residents due to proximity to the York and James rivers. Standard homeowners policies don't cover flood damage at all. James City County participates in the National Flood Insurance Program, making coverage available to all residents. Remember that flood policies have a 30-day waiting period before coverage activates.
Virginia drivers pay an average of $1,837 annually for full coverage auto insurance, or about $153 per month. Minimum coverage costs around $528 per year. Your actual Williamsburg rate depends on your driving record, age, vehicle type, and specific location within the city. The 2025 increase in minimum coverage requirements likely raised premiums for most drivers.
Yes, historic home insurance typically costs 20-40% more than standard coverage. Historic properties cost 200-300% more to rebuild because they require period-specific materials and specialized restoration artisans. Standard policies often undervalue historic homes by calculating replacement costs using modern construction methods, so you need an insurer experienced with historic properties.
While not legally required, renters insurance is strongly recommended and many Williamsburg landlords now require it. It provides liability coverage if someone is injured in your rental or you cause damage to the property, plus it covers your personal belongings. Policies typically cost only $15-30 monthly, making them an affordable safety net for students and renters.
Flood insurance has a mandatory 30-day waiting period before coverage activates. This means you cannot purchase flood insurance when a storm is approaching and expect immediate coverage. If you live in a flood-prone area of Williamsburg or James City County, you need to plan ahead and secure coverage well before hurricane season or heavy rain events.
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